Overview
How This Fits Your Strategy
Policy collateral lending allows qualifying life insurance policies to be used as collateral for financing from participating lenders. This can provide access to capital without liquidating long-term assets. We coordinate the documentation and lender introductions, while financing approval remains solely at the discretion of each participating institution.
Key Components
What's Coordinated
Collateral Coordination
Organize the documentation needed to pledge qualifying policies as collateral.
Lender Introductions
Coordinate introductions to participating financial institutions.
Capital Access
Access financing while retaining ownership of your long-term assets.
Integrated Planning
Align lending with your trust, entity, and estate structures.
How It Works
The Coordination Process
Eligibility Review
Assess whether your policies qualify as collateral.
Documentation
Organize the paperwork required by participating lenders.
Lender Coordination
Coordinate introductions and lender discussions.
Ongoing Management
Monitor the loan, collateral, and policy status over time.
Who It's For
Ready to Coordinate This Into Your Plan?
Schedule a private consultation to discuss how this fits your wealth strategy.
Professional Disclosure: Financing and lending are subject to approval by participating financial institutions and are not guaranteed. Using a life insurance policy as collateral may place the policy at risk if the loan is not repaid. IME Capital Trust LLC does not provide lending or financial advice and does not guarantee loan approval. Clients should consult their own financial and legal advisors.